Credit Analyst job at Standard Chartered

About the Organization

Standard Chartered plc is a British multinational bank with operations in consumer, corporate and institutional banking, and treasury services. Despite being headquartered in the United Kingdom, it does not conduct retail banking in the UK, and around 90% of its profits come from Asia, Africa, and the Middle East.

Job Description

Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
• Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
• Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.

Duties and Responsibilities

Strategy

Ability to drive the CIB strategy to ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, other special reporting requirements, etc.

Business

Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with RM /product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products
Responsible for end-to-end BCA process including preparing all the tools like Raptor, ESRAT, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.

Processes

In-charge of the credit processes end to end through monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.

People & Talent

Team player and ensuring key stake holder management

Risk Management

Monitor risk framework for the allocated portfolio Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that laid down procedures/policies are complied with.
Any deviations to be escalated to Unit Head/Head Credit & Operational Risk Controls/Credit .
Oversight on EAR/ASTAR process: A proactive approach to identifying EAR accounts – No sudden slippages into SAM.

Governance

Attend to any credit governance committees like the Credit Approvals Committee and Credit Issues Committee

Regulatory & Business Conduct

Display exemplary conduct and live by the Group’s Values and Code of Conduct.
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Lead the [Uganda / CIB / LMC Credit analyst team] to achieve the outcomes set out in the Bank’s Conduct Principles
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.